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Bajaj Housing Finance Limited Home Loan

Bajaj Housing Finance Limited (BHFL) offers low interest rates and higher loan amounts to its applicants based on their credit profile. It provides balance transfer facility to existing home loan borrowers of other lenders. Existing Bajaj Home Loan borrowers can also avail home loan top-up over and above their existing home loan. The lender also provides an online home loan application facility with disbursal within 48 hours after application and document verification.

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Starting 7.40% p.a.

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HDFC Bank
Min Loan Amt. ₹15L
Rate of Interest7.9% - 13.2%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000
Axis Bank
Min Loan Amt. ₹30L
Rate of Interest8.25% - 11.90%
Tenure uptoUpto 30 Years
Processing Fee₹ 14,000
ICICI Bank
Min Loan Amt. ₹15L
Rate of Interest8% - 9.8%
Tenure uptoUpto 30 Years
Processing Fee₹ 10,000

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How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

Bajaj Housing Finance Home Loan Highlights

Interest Rate 7.40% p.a. onwards
Loan Amount Rs. 50 lakh onwards
Loan Tenure Home Loan-2 years to 32 years

  • For Salaried- Up to 32 years
  • For Self-employed- Up to 20 years
  • For Self-employed professionals- Up to 25 years

Home Loan Balance Transfer- 2 years to 30 years

  • For Salaried- Up to 30 years
  • For Self-employed- Up to 20 years
  • For Self-employed professionals- Up to 25 years
Processing Charges 0.4%+GST

Note: Last updated on 22nd December 2025

Bajaj Finance Home Loan Interest Rates

Bajaj Housing Finance offers home loans at interest rates starting from 7.40% p.a. onwards.
The lender offers differential home loan interest rates depending on the type of home loan scheme offered and the job profile of its applicants.

For Salaried Borrowers

Loan Type Interest Rates (p.a.)
Home Loan 7.40%-10.25%
Home Loan Balance Transfer 7.50% – 10.35%
Top-up 8.50%-10.40%

For Professional Borrowers

Loan Type Interest Rates (p.a.)
Home Loan 7.50%-10.30%
Home Loan Balance Transfer 7.60%-10.40%
Top-up 8.60%-10.45%

For Self-Employed Borrowers

Loan Type Interest Rates (p.a.)
Home Loan 7.85%-10.65%
Home Loan Balance Transfer 8.05%-10.80%
Top-up 9.30%-10.85%

Compare Bajaj Housing Home Loan Interest Rates with Other Lenders

Name of Lender Interest Rates
Bank of India 7.10% p.a. onwards
State Bank of India 7.25% p.a. onwards
Punjab National Bank 7.20% p.a. onwards
Canara Bank 7.15% p.a. onwards
HDFC Bank 7.90% p.a. onwards
Bajaj Housing Finance 7.40% p.a. onwards
ICICI Bank 7.65% p.a. onwards
Axis Bank *8.25% p.a. onwards
Federal Bank *7.90% p.a. onwards
Kotak Mahindra Bank 7.70% p.a. onwards
IDFC FIRST Bank 8.85% p.a. onwards
IDBI Bank 7.35% p.a. onwards
RBL Bank 8.20% p.a. onwards
Tata Capital Housing Finance 7.75% p.a. onwards
PNB Housing Finance *7.20% p.a. onwards
Sammaan Capital (Formerly known as Indiabulls Housing Finance) 8.75% p.a. onwards
India Shelter Home Loan 8.43% p.a. onwards
L&T Finance Limited *8.40% p.a. onwards
Godrej Housing Finance 7.75% p.a. onwards
Home First Finance 8.00% p.a. onwards
Easy Home Finance 8.99% p.a. onwards
Piramal Capital Housing Finance *8.25% p.a. onwards
Shubham Housing Finance 10.45% p.a. onwards
Punjab & Sind Bank 7.30% p.a. onwards
Jio Housing Finance 8.20% p.a. onwards
HDFC Sales Pvt Ltd 7.90% p.a. onwards

*when applied through Paisabazaar

Rates as of 22nd December 2025

Bajaj Housing Finance Home Loan Processing Fees & Other Charges

Particulars Charges
Processing fees 0.4%+GST
Bounce Charges Bounce Charges
Part-Prepayment charges* For individual and non individual borrowers with floating interest rate loans for non-business purposes: NIL

  • For term loan-NIL
  • For Flexi-Term Loan-NIL

For individual and non-individual borrowers with floating interest rate loans for business purposes and all borrowers with fixed interest rate** loans:

  • For Term Loan – 2% on the part-prepayment amount.
  • Flexi Term Loan - Nil

*GST as applicable will be payable by the borrower in addition to the prepayment charges, if any.

**Nil for home loans closed by borrowers out of their own sources. Own sources refer to any source, other than borrowing from a bank/NBFC/HFC and/or a financial institution.

Note: In the case of dual-rate home loans (fixed for the initial period and then floating), the foreclosure/part-prepayment charges will be applicable as per the status of the loan as on the foreclosure/part-prepayment date.
Foreclosure charges For individual and non-individual borrowers with floating interest rate loans for non-business purposes:

  • For Term Loan – Nil
  • For Flexi Term Loan – Nil

For individual and non-individual borrowers with floating interest rate loans for business purposes and all borrowers with fixed interest rate** loans:

  • For Term Loan – 4%* on principal outstanding
  • For Flexi Term Loan – 4%* on the sanctioned amount during the Flexi interest only loan repayment tenure; and 4%* on the available Flexi loan limit during the Flexi Term Loan tenure

*GST as applicable will be payable by the borrower in addition to the prepayment charges, if any.

**Nil for home loans closed by borrowers out of their own sources. Own sources refer to any source, other than borrowing from a bank/NBFC/HFC and/or a financial institution.

Note: In the case of dual-rate home loans (fixed for the initial period and then floating), the foreclosure/part-prepayment charges will be applicable as per the status of the loan as on the foreclosure/part-prepayment date.
Interest and principal statement charges NIL

Please click here for the penal charges

Also know home loan processing fees charged by other home loan lenders.

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Types of Bajaj Housing Finance Home Loan

Bajaj Housing Finance Online Home Loan

  • Purpose: Consumers can avail Online Home Loans from Bajaj Housing Finance for purchasing a home, with loan disbursal within 48 hours of document submission and approval of loan application.
  • Loan Amount: The maximum loan amount for availing Bajaj Housing loan is Rs 15 crore. However, eligible applicants can also avail higher loan amounts from Bajaj Housing Finance.
  • Tenure: Up to 32 years

Bajaj Housing Loan for Doctors

  • Purpose: Doctors can avail Bajaj Housing Finance Home Loan for Doctors to finance their home purchases. It also allows them to transfer their existing home loans from other banks and HFCs to Bajaj Housing Finance atlower interest rates.
  • Loan Amount: Applicants of Bajaj Housing Finance loan can borrow loan amounts of up to Rs 15 crore. However, the HFC may also offer higher loan amounts to eligible applicants.
  • Tenure: Up to 32 years

Bajaj Housing Finance Loan Balance Transfer

  • Purpose:Existing home loan borrowers of other banks and HFCs can availBajaj Housing Finance Home Loan Balance Transferfacility for transferring their existing home loans to Bajaj Housing Finance at lower interest rates.
  • Loan amount:Rs 4 lakh-Rs 15 crore
  • Loan Tenure: Up to 30 years

Bajaj Housing Finance Top-up Home Loan

  • Purpose:Existing home loan borrowers of Bajaj Housing Finance can availHome Loan Top-upfacility over and above the existing home loans to meet theirpersonalexpenses likewedding, medical treatment, education, etc.
  • Loan Amount:Bajaj Housing Home Loan borrowers can avail Top-up Home Loans for loan amount of up to Rs 1 crore. However, borrowers can also avail higher loan amounts based on their eligibility.

Bajaj Housing Finance – Home Loan Eligibility Criteria

For Salaried

  • The applicant should be a resident of India
  • Minimum age: 23 years
  • Maximum age: 67 years
  • Individuals employed in Private Companies, Public Sector Undertakings or an MNC are eligible for Bajaj Finance Housing Loan
  • Minimum experience: 3 years
  • CIBIL Score: 750 and above

For Self-employed

  • Applicant should be an Indian resident
  • Minimum age: 23 years
  • Maximum age: 70 years
  • Business vintage: Minimum 3 years of vintage in the current enterprise
  • CIBIL Score: 750 and above

For Home Loan Balance Transfer

For Salaried

  • Indian residents and NRIs are eligible
  • Minimum age: 23 years
  • Maximum age: 62 years
  • Individuals employed in Private Companies, Public Sector Undertakings or an MNC are eligible for Bajaj Finance Housing Loan
  • Minimum experience: 3 years

For Self-employed

  • Applicant should be an Indian resident
  • Minimum age: 23 years
  • Maximum age: 70 years
  • Business vintage: Minimum 3 years and have a steady income

Documents Required for Bajaj Housing Finance Home Loan

  • Mandatory document – ​​​PAN Card​​ or Form 60​​
  • KYC documents- Recent photograph, Aadhaar Card, valid Passport, Voter ID Card, valid Driving License
  • Property related documents- Title deed, allotment letter, property tax receipt
  • Salary slips for the past 3 months for salaried applicants
  • Business proof of 5 years or more for self-employed professionals and non-professionals
  • Bank account statement for the last 6 months
  • ITR and P&L statement for self-employed professionals and non-professionals
  • Education certificates for individuals with MBBS degree and above (self-employed professionals-doctors) and valid COP for self-employed professionals-CAs

Bajaj Housing Finance Home Loan Customer Care Number

Home loan borrowers can contact customer care at +91 022 45297300 (10 a.m. to 6 p.m.) for any grievances.

Email-

  • bhflwecare@bajajhousing.co.in
  • bhflgrievance@bajajhousing.co.in
  • bhflcustomerexperience@bajajhousing.co.in

Click on Bajaj Housing Finance Home Loan Customer Care/Grievance Matrix to know more about the customer care and grievance redressal process of Bajaj Housing Finance Home Loan.

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

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FAQs

Bajaj Housing Finance offers home loans at 7.40% p.a. onwards, depending on the credit profile of its applicants.

You can visit the official website of Bajaj Housing Finance and fill in the housing loan application form provided by the lender. Alternatively, you can also click here to apply for a home loan offered by Bajaj Housing Finance.

Bajaj Housing Finance claims to sanction the home loan within 48 hours of the approval of the loan application and document verification.

Eligible candidates can avail two home loans at the same time. The lender considers the applicant’s income, credit profile and employment type while evaluating his/her loan application for another home loan.

Applicants with credit scores of 750 and above can avail home loans from Bajaj Housing Finance.

Bajaj Home Loans are disbursed within 48 hours of completion of the application and document verification.

It is not mandatory to have a co-applicant while applying for a home loan with Bajaj Housing Finance. The co-owners of the property can be the co-applicant. If there is no co-owner of the property, any immediate family member can be the co-applicant.

Bajaj Housing Finance offers home loans at floating rates and dual interest rates. Under the dual interest rates option, the home loan interest rate remains fixed for the first 3 years, after which  the remaining repayment tenure is floating in nature.

Yes, you can foreclose your home loan without paying any prepayment charges.

Calculating the home loan EMI would help the home loan applicants to know their home loan EMI commitment and thereby, plan their finances accordingly.  Moreover, banks and HFCs usually prefer to lend to home loan applicants having their total EMIs including the EMI of the proposed home loan to be within 50-60% of their monthly income. Thus, using home loan EMI calculator would allow an applicant to opt for a home loan tenure that contains his total EMIs within the aforementioned limit and thereby, increase his chances of home loan approval.

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